Who has Joined the Mortgage123 Team?

We are proud to create new jobs in Limerick to support our nationwide and Irish expat mortgage broker service. Mortgage123 was established in 2015 by Eamon Lynch as the mortgage wing of IPS Financial Advice Limited. The rapid growth of the team from two members to 19 in the space of two years is largely credited to the fostered team culture of ‘can do’ attitude and motivation to become one of the leading mortgage brokers in Ireland.

As a young team, the mortgage wing of IPS has been working tirelessly to establish the mortgage service and build the brand. Our focus is completely on customer service making a sometimes stressful and complicated process as stress free as possible for our clients.

New Recruits:

Marie Feehily, Mortgage Advisor – Marie is an experienced mortgage advisor who joined the Mortgage123 team in November 2018. She started her career in the financial services industry in 1998 having completed her BA degree in UCD. Much of her career was spent as a Mortgage Advisor with Permanent TSB in her home town of Nenagh, Co Tipperary. She is also well known in dog show circles for her award-winning German Shepherd show dogs.

Graduate Mortgage Advisors – In January 2019, four new advisors started their careers with Mortgage123 on our graduate training programme, Nicole Dundon, Amanda O’Brien, Levi Howard and Laura Mansbridge are working alongside experienced advisors and learning the ropes quickly whilst enrolled to study for their QFA exams beginning in May this year.

Amanda O’Leary was promoted from her marketing executive position in IPS Financial Advice to Office & Reception Manager in our new offce on 48 O’Connell Street!

Robert Bradley joined the administration team in January having worked for over 5 years in financial services administration.

The Word is Spreading, Mortgage Brokers are Back

‘We deal with all the banks, so you don’t have to!’

Mortgage123 is one of the leading mortgage brokers in Ireland today. Our continued growth has been driven by our efficiency in helping mortgages holders to save on their current mortgages, and new buyers experience a smooth journey to their new home.

Customers are provided with modern and versatile ways to get in contact with Mortgage123 and the focus is on receiving immediate response. Enquiries are received by the mortgage advisors via phone, online chat, contact forms, online bookings facility, social media applications and the customer office in Limerick city centre. Potential clients can get in contact in the way most convenient for them.

Why Use a Mortgage123 Broker:

We do not charge a fee

With hundreds of rates available, Mortgage123 will get you the best mortgage available

Mortgage123 will package and present your application to give you the best chance with mortgage underwriters

Mortgage123 will manage your application from start to finish for speedy approval

Mortgage123 will get you the best deal available on your life and home insurance

Turn your living area thermostat down to 20°C. The temperature in hallways and bedrooms should be cooler, ideally between 15-18°C.

Radiators

Use the radiator valve to turn the temperature down or off in rooms that you do not use a lot.

Hot water

Set your hot water thermostat to between 60-65°C, to make sure that you do not overheat your water.

Appliances

Most of the energy used by a dishwasher and washing machine is for water heating. Run them on a lower temperature setting and save on your energy costs. Wash clothes at 30°C if they aren’t particularly dirty.

Fridge freezer

Keep your fridge’s temperature at between 2–3°C for the best performance. This keeps your food safe to eat and avoids freezing (and ruining) your fruit and veg. The freezer should be set to -15°C.

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Switch Off

Heating

Turn the heating off when you leave the house or if you go away. Remember, your radiators will continue to heat your home for some time after the heating has been turned off.

Appliances

Switch off all your appliances at night and when you are not home. You should turn off your computer whenever you are not going to use it for more than an hour.

Devices

Use a power strip which means that at night or when you leave the house, you can easily unplug your devices at once.

Lighting

Turn off lights when you are leaving a room or when you do not need them.

Cooking

When your food is nearly cooked, turn off the rings/oven and use the built up heat to finish cooking your food.

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Light

Windows

Hold off switching on lights in the evening until absolutely necessary.

Layout

Position your furniture so you make the most of natural light.

Light Bulbs

Replace failed light bulbs with energy efficient options, in particular LED lights. Select the lowest wattage bulb needed to light the room/area and consider the size of the space and how much natural light the space gets.

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Appliances

Washing machine and dishwasher

Try to use the washing machine and dishwasher at times when there is lower energy demand and avoid turning it on between 7-9 in the morning and 5-7 at night. This may not save you money but will help avoid excessive CO2 emissions from power stations.

Tumble dryer

Tumble dryers are big energy guzzlers so dry clothes on a clothes horse or washing line.

Fridge / Freezer

Don’t leave the fridge door open for too long while getting food. For every 10–20 seconds the door is open it takes 45 minutes for the fridge to cool down to its original temperature.

Don’t put warm or hot food straight into the fridge or freezer. The fridge or freezer has to work extra hard and draw more energy to cool it down. Thawing food in the fridge is better for keeping your food safe to eat and keeps the fridge cool.

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Draughts

Close doors between rooms that are heated and unheated to keep the heat in.

Check windows, keyholes and doors for draughts of cold air and plug them.

Unused fireplace? A chimney balloon will keep the draughts out and the heat in.

Close curtains to keep heat in, but open them in the morning to let the heat of the sun in.

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Hot Water

A shower typically uses 20% of the energy compared to a full bath, so keep the bath as a treat.

Don’t leave the hot tap running – you are pouring energy and money down the drain.

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Cooking

Oven

Keep your oven door shut and use the space well. Batch cooking saves you time and energy, especially if you have a busy lifestyle.

Hob

Don’t let the heat escape – by covering your pots and pans with a lid. The lid keeps the heat in and reduces condensation in the kitchen. Use the right sized hob for your pan – the closer the match, the less energy you use.

Kettle

Don’t boil full kettles for one cup of tea, but do make sure you have enough water to cover the element.

Fantastic news! We are the winner of the Team Performance of the Year award at the MyBrokers Ireland Awards 2018 Brokers Ireland. The Team Performance of the year Award recognises teams of staff who foster co-operation, collaboration and open communication while working together on a project or who have extended significant effort that advances organisational goals.

Sean Corbett and Aisling McNamara attended the ceremony and received the award on behalf of the team on Thursday, 18th October in the Round Room at the Mansion House, Dublin.

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Warning: If you do not keep up your repayments, you may lose your home. You may have to pay charges if you pay off a fixed-rate loan early. The cost of your monthly repayments may increase. If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future. IPS Financial Advice Limited t/a Mortgage123 is regulated by the Central Bank of Ireland.